Franchise · lender intelligence
How to finance a Smash My Trash
The SBA 7(a) lenders funding the most Smash My Trash deals, ranked from public loan records — typical Smash My Trash loan about $324K, 0.99% failure rate across 103 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Smash My Trash
$324K
Typical loan
range $181K–$499K
$360K
Est. purchase price
≈ loan ÷ 90%
$48,150
Cash to close
$36,000 down + fees
$4,463/mo
Typical payment
~11% · 10yr
$61,589/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
99.0%
Still performing
1% default · FY20–23
26 days
Typical time to fund
41
Lenders competing
more = leverage
5.73%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Smash My Trash
Ranked by funded Smash My Trash loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.9 loans · $13M · Atlanta, GAFull record →
- 3.116 loans · $120M · Evansville, INFull record →
- 4.105 loans · $164M · Brookline, MAFull record →
- 5.575 loans · $220M · De Graff, OHFull record →
- 6.66 loans · $68M · Milford, IAFull record →
- 7.31 loans · $13M · Louisville, KYFull record →
- 8.104 loans · $100M · Portsmouth, VAFull record →
- 9.62 loans · $34M · Winter Haven, FLFull record →
- 10.328 loans · $134M · Cleveland, OHFull record →
- 11.79 loans · $53M · Gulfport, MSFull record →
- 12.149 loans · $135M · Mukwonago, WIFull record →
- 13.34 loans · $57M · Charlotte, NCFull record →
- 14.318 loans · $229M · Osage Beach, MOFull record →
- 15.62 loans · $21M · Saint Cloud, MNFull record →
- 16.4 loans · $3M · Atlanta, GAFull record →
- 17.16 loans · $6M · New Castle, INFull record →
- 18.60 loans · $40M · Clayton, MOFull record →
- 19.1 loans · $1M · Lincoln, NEFull record →
- 20.4 loans · $2M · Dallas, TXFull record →
- 21.32 loans · $54M · Tupelo, MSFull record →
- 22.99 loans · $43M · Walla Walla, WAFull record →
- 23.47 loans · $39M · Greenville, PAFull record →
- 24.11 loans · $7M · Millersburg, PAFull record →
- 25.168 loans · $205M · Fishers, INFull record →
103+ funded Smash My Trash deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- SMT Las Vegas LLC in Las Vegas, NV — $2.0M (2025) · purchase · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 6 days
- Approved
- 1/15/2025
- First disbursed
- 1/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Solid Waste Collection
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $221K
- Est. cash at closing
- $305K
- Monthly payment
- $23,389
- Annual debt service
- $281K
- Cash flow needed (1.25×)
- $351K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Zions Bank, A Division of · Lender record →
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- SMT Colorado Holdings, LLC in Windsor, CO — $910K (2025) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.92% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $683K (75%)
- Approval → funding
- 49 days
- Approved
- 12/19/2024
- First disbursed
- 2/6/2025
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Solid Waste Collection
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Sabegghi LLC in Stow, OH — $155K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $116K (75%)
- Approval → funding
- 7 days
- Approved
- 11/25/2022
- First disbursed
- 12/2/2022
- Loan status
- Paid in full (7/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Solid Waste Collection
Funded by The Huntington National Bank · Lender record →
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- SMT Carolinas, LLC in Cumming, GA — $1.6M (2022) · purchase · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 5 days
- Approved
- 8/24/2022
- First disbursed
- 8/29/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Solid Waste Collection
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $176K
- Est. cash at closing
- $242K
- Monthly payment
- $19,240
- Annual debt service
- $231K
- Cash flow needed (1.25×)
- $289K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- Dunawaste LLC in Macon, GA — $599K (2022) · Renasant Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $449K (75%)
- Approval → funding
- 36 days
- Approved
- 1/31/2022
- First disbursed
- 3/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Waste Collection
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
- Process Improvement Consulting LLC in Boiling Springs, SC — $586K (2022) · Renasant Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 121 months
- SBA guaranteed
- $439K (75%)
- Approval → funding
- 42 days
- Approved
- 3/30/2022
- First disbursed
- 5/11/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Waste Collection
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
- Smash My Trash – San Jose South in Walnut Creek, CA — $350K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 25 days
- Approved
- 5/12/2022
- First disbursed
- 6/6/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Combustors and Incinerators
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Dumpster Compaction of the Carolinas LLC in Greer, SC — $350K (2022) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 14 days
- Approved
- 5/17/2022
- First disbursed
- 5/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Readycap Lending, LLC · Lender record →
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- Smash My Trash in Cambridge, MA — $350K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 13 days
- Approved
- 5/18/2022
- First disbursed
- 5/31/2022
- Loan status
- Paid in full (6/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- ELFKO SMT LLC in North Dartmouth, MA — $350K (2022) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 102 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 30 days
- Approved
- 6/7/2022
- First disbursed
- 7/7/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by United Community Bank · Lender record →
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- Waste Management Solutions, Inc. in Lowell, MA — $324K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $243K (75%)
- Approval → funding
- 4 days
- Approved
- 5/19/2022
- First disbursed
- 5/23/2022
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Waste Management Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Smash My Trash in Cambridge, MA — $323K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $242K (75%)
- Approved
- 12/6/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- LIVMAX, INC. in Richmond, VA — $270K (2022) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 13 days
- Approved
- 4/22/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Smash My Trash in Pompano Beach, FL — $264K (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $198K (75%)
- Approval → funding
- 11 days
- Approved
- 5/13/2022
- First disbursed
- 5/24/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- New Business or 2 years or less
- Industry
- Other Waste Collection
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- J&M Chase Corp in San Diego, CA — $249K (2022) · Ameris Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $187K (75%)
- Approval → funding
- 18 days
- Approved
- 6/17/2022
- First disbursed
- 7/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Solid Waste Collection
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
- SMT of Michigan, Inc. in Sterling Heights, MI — $220K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.35% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $110K (50%)
- Approval → funding
- 12 days
- Approved
- 11/18/2021
- First disbursed
- 11/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Waste Management Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Guided by Verses, Inc in Atlanta, GA — $219K (2022) · Georgia's Own Credit Union
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $164K (75%)
- Approval → funding
- 15 days
- Approved
- 5/26/2022
- First disbursed
- 6/10/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Georgia's Own Credit Union · Lender record →
Your business? Claim this record · Request removal
- SMT Colorado LLC in Windsor, CO — $200K (2022) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 0 days
- Approved
- 3/25/2022
- First disbursed
- 3/25/2022
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- New Business or 2 years or less
- Industry
- Solid Waste Collection
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- Sabegghi LLC in Stow, OH — $150K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 26 days
- Approved
- 12/2/2021
- First disbursed
- 12/28/2021
- Loan status
- Paid in full (7/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Solid Waste Collection
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SMT Carolinas, LLC in Cumming, GA — $100K (2022) · purchase · Old National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 5 days
- Approved
- 8/24/2022
- First disbursed
- 8/29/2022
- Loan status
- Paid in full (8/31/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Solid Waste Collection
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,213
- Annual debt service
- $15K
- Cash flow needed (1.25×)
- $18K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Smash My Trash? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Smash My Trash businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Smash My Trash purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.
- $324K typical Smash My Trash loan
- 0.99% failure rate (FY20–23)
- 41 lenders fund the brand
- 26 days typical to fund
Buyers researching a Smash My Trash typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.